Did you know that over six million (yes, 6,000,000) consumers reports are created each day in response to consumer application for credit, insurance and employment?
Did you know many of those reports contain inaccurate information that could lower the consumer's credit score?
Did you know that ID theft has been the #1 consumer complaint with the FTC for the 11 years?
Did you know the credit reporting industry is a for-profit, multi-billion dollar industry that makes money by selling your credit information to potential and existing creditors, insurers and employers when they make decisions that will impact the welfare of you and your family?
Did you know that derogatory information on your credit report can lead to employment denials, insurance denials, credit denials, and less favorable terms that you would otherwise be entitled to?
Did you know that federal law requires that the credit bureaus remove or correct inaccurate or outdated information on your credit report?
Ohio consumer lawyer Amy Wells advises her clients to protect their good name by reviewing their credit report with each of the three major credit bureaus (Experian, Equifax and Trans Union) at least once per year. Consumers are entitled to a FREE copy of their credit report annually, and may obtain a copy online at www.annualcreditreport.com. Ms. Wells strongly suggests that you request your report(s) by mail.
Review the information on your report carefully, and if you find an error, or have questions about the contents of your report, contact Attorney Wells for a FREE CONSULTATION regarding steps that you may take to correct this problem. Poor credit ratings can prevent access to home loans, credit and even employment. If the credit reporting agencies fail to correct errors published on your credit report, you may also be entitled to monetary damages.
Do you have questions about your rights under the Fair Credit Reporting Act or other consumer laws? Contact us today. (937) 435-4000. Or email us now.
A growing number of Ohio consumers are victimized by the use of abusive, deceptive, and unfair collection practices by debt collectors. Abusive debt collection practices contribute to a high number of personal bankruptcies, marital instability, job loss, and invasion of individual privacy. Federal law prohibits unfair and deceptive practices by debt collectors, regardless of whether or not you owe any money.
Consumer lawyer Amy Wells offers consumers complimentary, no obligation consultations to explore their legal rights. If you have been sued by a debt collector or debt buyer, preserve all of your documents and contact us today.
If you have been harassed by debt collectors or believe that you are the victim of unfair collection practices, contact WELLS LAW OFFICE today for a FREE consultation. Call (937) 435-4000 or email us now.
